Montgomery County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $280,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $75,613 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $280,200 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 2.97× |
| Median household income | $75,613 |
| Median home value ÷ income | 3.7× |
| Population | 234,153 |
| Median property tax paid (owners) | $1,697 |
| Effective property tax rate (approx.) | 0.61% |
| Owner-occupied homes | 61.9% |
| Home value rank in Tennessee | 20 of 95 counties |
| Neighbor: Christian County, KY | limit $832,750; median home $173,600 |
| Neighbor: Todd County, KY | limit $832,750; median home $166,700 |
| Neighbor: Cheatham County, TN | limit $1,029,250; median home $338,700 |
| Neighbor: Dickson County, TN | limit $1,029,250; median home $306,400 |
| Neighbor: Houston County, TN | limit $832,750; median home $172,700 |
| Neighbor: Robertson County, TN | limit $1,029,250; median home $335,000 |
| Neighbor: Stewart County, TN | limit $832,750; median home $204,700 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Montgomery County's median home value is 2% below the state median of $286,700 (rank 20 of 95). Among its 7 neighboring counties, Cheatham County has the highest median home value ($338,700) and Todd County the lowest ($166,700); 3 neighbor(s) have a different loan limit. Owners pay a median $1,697 a year in property tax, an effective rate of about 0.61% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Montgomery County, NY
- 2026 conforming loan limit: Montgomery County, OH
- 2026 conforming loan limit: Montgomery County, PA
- 2026 conforming loan limit: Montgomery County, TX
- 2026 conforming loan limit: Montgomery County, VA
- 2026 conforming loan limit: Montmorency County, MI
- 2026 conforming loan limit: Montour County, PA
- 2026 conforming loan limit: Montrose County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.